Eric Chery
$699,900$739,9003 bd2.5 ba2,314 sqft$302 /sqft$5,286 /mo all-in ↓

2654 CRYSTAL CIRCLE, DUNEDIN, FL, 34698

Active68 days on marketListed May 16, 2026MLS #TB8508679

Reduced $40KPrivate poolSingle Family ResidenceWATERFORD EAST

Come see it

Upcoming open house

Sat, Jul 25

12:00 PM – 2:00 PM

About this home

2654 CRYSTAL CIRCLE

Welcome to 2654 Crystal Cir, Dunedin, FL 34698, a beautifully maintained 3-bedroom, 2.5-bath pool home with a 2-car garage located in one of the most sought-after communities in Dunedin, Florida. Situated on an oversized 0.34-acre lot, this property offers the perfect combination of location, lifestyle, and long-term value in the heart of Pinellas County. This home has been modestly and meticulously updated, is truly move-in ready, and offers everything you could want, including a fireplace that adds warmth and character to the living space. Major updates include a roof replaced in 2022 and an HVAC system installed in 2023, with all major 4-point inspection items in excellent shape. The pool is also in good condition, creating a fantastic outdoor space to enjoy Florida living year-round. One of the standout features of this home is its exceptional and highly functional floor plan. Offering a desirable split-bedroom layout for added privacy, the home includes 2.5 bathrooms with a centrally located guest bath, making entertaining and day-to-day living incredibly convenient. The spacious primary suite offers private access to the pool area, creating a relaxing retreat with easy access to outdoor living. Designed with entertaining in mind, the home features two separate living areas, a formal dining room, a breakfast nook, and bar-top seating, providing multiple gathering spaces for family and guests. The thoughtful layout creates excellent flow throughout the home while offering flexibility for both everyday living and hosting. The seller has priced the property fairly based on its condition, location, and current market conditions, creating an outstanding opportunity for buyers looking to own in the highly desirable Dunedin real estate market. Outside, you’ll appreciate the mature trees, large yard, and established neighborhood feel that make this community so special. This is the type of neighborhood where residents truly come together to celebrate holidays, connect with neighbors, and enjoy a strong sense of community pride. The surrounding homes are exceptionally well maintained, adding to the long-term appeal of the area. Location is one of the standout features of this property. You are approximately 10 minutes from Downtown Dunedin and Honeymoon Island State Park, with easy access to award-winning Gulf Coast beaches, waterfront dining, breweries, shopping, and entertainment. The Pinellas Trail is just a short bike ride away, making it easy to enjoy the outdoor lifestyle that Dunedin is known for. The property is also conveniently located near great schools, everyday shopping, restaurants, and major roadways. For commuters and travelers, the home offers an estimated 30-minute drive to both Downtown St. Petersburg and Tampa International Airport, providing excellent accessibility throughout the Tampa Bay area. An additional financial benefit is that the property was not homesteaded when last purchased, meaning the current property taxes do not reflect a future owner’s homestead exemption. Once a new owner purchases and homesteads the property, the taxes are expected to reduce significantly. If you are searching for a pool home in Dunedin with a large lot, strong updates, an outstanding floor plan, and an unbeatable location, 2654 Crystal Cir is a must-see. Schedule your private showing today and experience everything this exceptional Dunedin property has to offer.

Facts & features

The home at a glance

3

Bedrooms

2.5

Bathrooms

2,314

Sqft

0.35 ac

Lot size

2

Garage

1989

Year built

One

Levels

$302

Per sqft

Private poolFireplaceGarden & Pool & Trees/Woods viewNegotiablePets allowed

Inside

FlooringCarpet · Tile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Wood Cabinets · Stone Counters · Walk-In Closet(s) · Window Treatments
LaundryInside
CoolingCentral Air
HeatingCentral
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationBlock
ViewGarden · Pool · Trees/Woods
FacesSouth
ExteriorFrench Doors · Irrigation System · Lighting · Other · Private Yard · Rain Gutters · Sidewalk · Sliding Doors · Sprinkler Metered

Community & fees

HOA fee$29/mo
Taxes (2025)$12,694/yr
PetsYes

Utilities & systems

UtilitiesElectricity Connected · Public · Sewer Connected · Sprinkler Meter · Underground Utilities · Water Connected
WaterNone

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.

$5,286 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,777
PMI (est., until 20% equity)$262
Property tax — 2025 actual bill$1,058
HOA fee — from the listing$29
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $69,990Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $69,990
Interest rate6.00%
Loan term

Estimated payment

$5,286/mo

Principal & interest$3,777
PMI (est., until 20% equity)$262
Property taxes (actual bill)$1,058
HOA / condo fee$29
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

List $700K
$672KedgeAI estimate $800,253 · range $701K$880K$915K

vs edgeAI estimate

−12.5%

Days on market

68 vs 51 typical

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside Dunedin

Map of 2654 CRYSTAL CIRCLE

Drive times from this address

Tampa Int’l Airport (TPA)30 min
Downtown Tampa34 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Dunedin. See the full Dunedin guide →

DUNEDIN 34698 — neighborhood snapshot

Population

37,817

Median age

58.1

Median income

$67,323

Median home value

$335,800

Avg household

2.04

Households w/ children

2,412

For the school run

Pinellas County School District

MiddleDunedin Highland Middle School★★★★
ElementaryDunedin Elementary School★★★★
HighDunedin High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Dunedin market

Seller’s marketLeans seller4.5 months of inventoryBuyer’s market

$440K$410K

Dunedin median sold, yr/yr

95.6%

Sale-to-list ratio (12 mo)

Median sold price, Dunedin, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 133% above the DUNEDIN 34698 median. See the full Dunedin market guide →

Paper trail

This home's history

CurrentPrice reduced to $699,900 $40K
May 16, 2026Listed at $739,900 · 68 days on market since
1989Built · WATERFORD EAST

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Eric Chery

Your agent

Eric Chery

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 2654 CRYSTAL CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2654 CRYSTAL CIRCLE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Eric's phone and CRM.

Goes straight to Eric’s phone and CRM.

Straight answers

2654 CRYSTAL CIRCLE FAQs

What would the monthly payment be for 2654 CRYSTAL CIRCLE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,286/mo — principal and interest, the actual property-tax bill, the $29/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

How much are the HOA fees at 2654 CRYSTAL CIRCLE?+

The association fee works out to $29 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 2654 CRYSTAL CIRCLE?+

The most recent tax bill on record (2025) was $12,694. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 2654 CRYSTAL CIRCLE?+

The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in Dunedin?+

At $699,900, this home is listed about 76% above the Dunedin median of $398,500. The market section on this page shows how the area is trending.

Which schools are assigned to 2654 CRYSTAL CIRCLE?+

Dunedin Highland Middle School (middle), Dunedin Elementary School (elementary), Dunedin High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Positioned at the premium end

$699,900 runs 133% above the DUNEDIN 34698 median — but at 2,314 sqft it's also nearly twice the size of the typical Dunedin listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Strong assigned schools

Dunedin Highland Middle School, Dunedin Elementary School, Dunedin High School — Dunedin Highland Middle School rates 4 of 5. Always verify assignments with the district.

04The price has already moved

Listed at $739,900, now $699,900 — a $40K cut. The full history is in the market section below.

Listing courtesy of CHARLES RUTENBERG REALTY INC · Lance Willard LLC. MLS #TB8508679.

IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

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